Columbus, GA Car Insurance

The Zebra
July 25, 2018

Car Insurance in Columbus

Premiums in Columbus are relatively similar to state rates, as its premiums are within $43 of Georgia's average. Why don't we go over some ways to save on car insurance in Columbus?

  • City Average: $1,431
  • State Average: $1,388
  • National Average: $1,427

Columbus Car Insurance by Credit Rating

There is a disparity of $1,293/year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). The greatest benefit of better credit occurs when improving from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $445 per year.

  • Very Poor: $2,572
  • Fair: $2,127
  • Good: $1,786
  • Very Good: $1,485
  • Exceptional: $1,279

Columbus Car Insurance by Gender and Marital Status

Car insurance premiums in Columbus are influenced by gender as well as marital status. Rates for those who are widowed are moderately cheaper than rates for those who are single. You can save roughly 8% per year if you're married as opposed to single or divorced. Unfortunately for men, their premiums tend to be 3% more costly than for women.

  • Female: $1,389
  • Male: $1,431
  • Single: $1,431
  • Married: $1,314
  • Divorced: $1,431
  • Widowed: $1,381

Columbus Car Insurance by Accident or Violation History

Accidents and violations can cost you in terms of prices on car insurance. $795 is the additional cost per year for drivers with a DUI in Columbus, compared to the city average of $1,431. Reckless driving will also push your premiums up, with typical rates of $2,335, which are 63% higher than the city average! For those in Columbus with at-fault accidents, $881 is the increase that can be expected to annual insurance premiums.

  • DUI: $2,226
  • Reckless Driving: $2,335
  • At-fault Accident (damages less than $1000): $2,312
  • At-fault Accident (damages greater than $2000): $2,312
  • Speeding Ticket (16-20 mph over speed limit): $1,743

Columbus Car Insurance by Age

In Columbus, drivers see the most significant fall in premiums when they hit their 20s, as they save an average of $3,216 from moving out of the teenage age range. In Columbus, turning 60 means an increase in premiums. Up until then, transitioning from one age group to the next means decreasing prices. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest premiums among any age group, with rates of $1,243. Those in their 60s ($1,283) have premiums that aren't much higher. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $5,224.

  • Teenagers: $5,224
  • 20s: $2,008
  • 30s: $1,410
  • 40s: $1,343
  • 50s: $1,243
  • 60s: $1,283
  • 70s: $1,605

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